FINANCING
FINANCING YOUR HOME
Considering financing a new home? Which loan type is right for you? Buying a new home is likely one of the largest single investments you will make. If, like most people, you'd like to finance the home, you'll want to speak to an approved lender, who can discuss which option would be best for you. Below is a general breakdown to show you the estimated monthly principal and interest payment, depending on the loan amount.
MAY WE SUGGEST A GOOD LENDER?
Over the years serving our customers, we’ve established relationships with the best lenders in the area — all of whom we use to obtain our construction & development loans. Because this is so, these lenders have a vested interest in helping our buyers obtain mortgage loans, alongside a track record of excellent customer service and on-time closing. Keep in mind, this is a limited list and some of our Approved Lenders may not be listed. Additionally, Keystone does not receive any compensation for encouraging buyers to use these lenders. To find out which type of loan is right for you, get pre-approved quickly, and determine your home budget, contact any of our Approved Lenders below.
For more information regarding our approved lenders click the buttons below.
AUGUSTA / AIKEN BANKS
Ameris Bank
2743 Perimeter Parkway
Bldg 200 Suite 107
Augusta, GA 30909
706.739.6138
Queensborough Bank & Trust
4226 Columbia Rd
Martinez, GA 30907
706.863.2000
Synovus
720 St. Sebastian Way Suite 130
Augusta, GA 30901
706.447.2022
South State Bank
3515 Wheeler Road, Bldg A
Augusta, GA 30909
706.739.1780
First Community Bank
3638 Walton Way Ext.
Augusta, GA 30909
706.396.2523
Security Federal
315 E Martintown Rd
North Augusta, SC 29841
803.442.2104
Colony Bank
1201 Town Park Lane
Evans, GA 30809
706.564.1588
STATESBORO / SAVANNAH BANKS
Synovus
2 East Main Street, First Floor
Statesboro, GA 30458
912.489.9284
Queensborough Bank & Trust
201 South Main Street
Statesboro, GA 30458
912.764.6600
South State Bank
6605 Abercorn Street
Savannah, GA 31405
912.355.9902
Ameris Bank
24 Drayton Street
Savannah, GA 31401
912.656.2980
Silverton Mortgage
230 West Bay Street
Jesup, GA 31545
912.559.2913
GREENWOOD BANKS
Motto Mortgage
Jennifer M. Johnston
500 C Montague Ave
Greenwood, SC 29649
864.854.9494
For more information regarding or our full list of approved lenders please email us at sbarsiq@buildkeystone.com
Payment Calculator
Use this calculator to estimate how much your monthly mortgage payments will be based on the price of the home, down payment, loan term, and interest rate (usually based on your credit score).
*** Estimated payment does not include property tax, home and private mortgage insurance ***
Interest rate may vary based on location, credit score, loan amount, down payment, loan type, and loan terms. Interest rates change constantly. Information and interactive calculators are made available to you as self-help tools for your personal use and are not intended to provide investment advice. We encourage you to seek personalized advice from qualified finance professionals regarding all finance questions.
Budget Calculator
Use this calculator to estimate how much home you can purchase based off the monthly payment you wish to pay, down payment, loan term and interest rate (usually based off of your credit score).
*** Estimated payment does not include property tax, home and private mortgage insurance ***
Interest rate may vary based on location, credit score, loan amount, down payment, loan type, and loan terms. Interest rates change constantly. Information and interactive calculators are made available to you as self-help tools for your personal use and are not intended to provide investment advice. We encourage you to seek personalized advice from qualified finance professionals regarding all finance questions.
LEARN MORE ABOUT LOAN TYPES
Trying to decide which home loan option is best for you? Learn about the 4 main loan types, FHA, USDA, VA and Conventional- and weigh the pros and cons to each so that you can decide which would best suit you.
THE PROS
- As little as 3.5% down payment.
- Will accept as low as 580 credit scores.
- Allows higher debt to income ratios than conventional.
- More forgiving of foreclosure and bankruptcy.
THE CONS
- Mortgage insurance is higher than on other loans.
- Mortgage insurance lasts the life of the loan.
THE PROS
- 100% financing available so no cash required.
- No private mortgage insurance.
- Higher debt to income ratios than conventional.
- More forgiving of foreclosure and bankruptcy.
THE CONS
- Only available to Veterans.
- Have to pay a VA loan funding fee.Download Our Guide Playing With House Money Today!
In this Guide, You'll Learn:
- How to determine how much home you can afford
- About each home loan type and which one is best for you
- How to find the right lender for you
About Keystone
With a focus on family-friendly areas, CEO Lamar Crowell founded Keystone Homes with an ambition to build across the Central Savannah River region.
Design Studio
Keystone Design Studio is committed to bringing your dream home to life with personalized selections and luxury options that shatter expectations.
About Financing
Over the years serving our customers, we have established lasting relationships with the best lenders in your area for construction and development loans.